Kai-Zen insurance is an innovative option that offers tailored coverage for those who want to protect the people and possessions that matter most.
Kai-Zen is a strategy that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement.
What is so compelling and unique about the Kai-Zen strategy?
Participant contributions are leveraged
Protecting your earnings is critical to insuring your ability to save for retirement.
Due to limitations, traditional retirement plans are typically insufficient for high-income earners.
If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.
Why is Kai-Zen the right choice for you? By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means. Additional benefits include:
The Kai-Zen life insurance policy is jointly funded. The participant and bank financing both contribute. Bank financing is responsible for approximately 60-75% of total premiums to the policy.
Now, participants can realize benefits far beyond what their annual contributions alone could afford them.
The participant contributes their portion. The lender finances additional premiums into the insurance policy.
During this time, the policy has the potential to accumulate more value. The lender’s note will be satisfied by approximately the end of the 15th year.
After year five, the participant’s obligation will be complete. The lender makes the remaining premium payments.
Potential policy cash value accumulation is projected for distributions for lifestyle needs such as supplemental retirement income.
Contact Our Professionals
Monday – Friday: 9:00 AM – 5:00 PM
